Neo Financial is a Canadian tech company that reimagines the way people spend, save, and earn rewards by offering a fee-free account with instant cashback, real-time notifications, and high-interest savings. The company's engineering team uses agile methodologies, CI/CD pipelines, and feature flags to ensure compliance with regulations, security, and rapid releases. Open Banking is expected to add significant value to mobile finance and banking, enabling customers to access their spending habits and financial data across various banks and lenders. To maintain a rapid release frequency, Neo Financial has adopted a two-week mobile release cycle, while prioritizing DevSecOps practices to ensure data security and compliance with high-security standards. The future of mobile finance and banking will focus on providing visibility and transparency, as well as education, to help users manage their personal finances effectively.